Even though there is nothing new under the sun, if you have not planned your income and expenses, the importance of creating a budget cannot be over-emphasized. You might be a new immigrant, a business person, a retiree etc, and for every stage in life, there is the need to plan your expenses given that inflation has gone through the roof.
Tayo has moved on from the mindset of cutting down on her coffee. Her argument is that she needs her coffee to function, and without her coffee, she might not be productive. Coffee for some people is a quality of life/ mental health thing. The coffee could help bring more dollars in.
She argues that you can live a little, but plan.
Plan to multiply your income. Plan to have an emergency fund so you can deal with life’s emergencies. Dave Ramsey says you should have at least 6 months of living expenses.